By Ivan Mora · Florida-licensed real estate agent, License #3454593 · Updated November 12, 2026
Florida’s statutory master-policy allocation generally covers originally installed condominium construction, including drywall. Unit-owner coverage addresses the statutory exclusions such as coverings, fixtures, appliances and cabinets. Policy wording and the cause of loss still matter; HO-6 also has coverage beyond finishes. Before buying in Hollywood, request the master policy declarations page, the deductibles (especially hurricane and flood) and the declaration's insurance section, then give them to your HO-6 insurance agent.
The building-vs-unit dividing line
§718.111(11)(f), Fla. Stat. requires the condominium property policy to provide primary coverage for property as originally installed, or like-kind-and-quality replacements under the original plans, and qualifying association alterations or additions. This generally includes the building structure, common elements and original unit construction, including drywall itself rather than its decorative covering.
The statutory exclusions assigned to the unit owner include personal property; floor, wall and ceiling coverings; electrical fixtures; appliances; water heaters; water filters; built-in cabinets and countertops; and window treatments, including their hardware and replacements within unit boundaries serving that unit. Give this list to your HO-6 agent when choosing coverage.
This is the statutory property-insurance allocation, not a guarantee that a particular policy pays every loss. Covered causes, deductibles, endorsements, improvements and maintenance or casualty liability require separate review. HO-6 may also include liability, personal property, additional living expense and loss-assessment coverage; it is not strictly limited to interior finishes.
Deductibles are where buyers get surprised
Coastal master policies often carry large windstorm (hurricane) deductibles. If a storm causes damage below the deductible, the association may pass that cost to owners. Ask:
- What is the named-storm deductible, as a percentage and a dollar figure?
- Does the association carry flood insurance, and with what limits?
- How has the board handled deductibles after past storms?
Documents to request
- Master policy declarations pages (property, wind, flood, liability).
- Current deductibles and policy period.
- The declaration's insurance and maintenance responsibility articles.
- The budget line for insurance, to see whether premiums have spiked.
Getting insurance quotes?
I'll help you gather the master-policy documents your agent needs.
Tell me the building and I'll help you request the declarations pages and deductibles before your inspection period ends.
Hand these to your HO-6 agent
A licensed insurance agent can quote your unit policy properly only if they know what the master policy covers and its deductibles. Ask specifically about loss-assessment coverage. Nothing on this page is an insurance quote or coverage advice.
Flood risk is address-specific
Check the FEMA flood zone for the specific building at the FEMA Flood Map Service Center. Neighboring towers on the same block can differ in elevation and construction.
Sources and scope
- Florida Statutes §718.111 — The association (insurance provisions) — Verified originally installed property and unit-owner exclusions in subsection (11)(f)
- FEMA Flood Map Service Center — Address-level flood zone lookup tool
- Broward County Property Appraiser — Parcel lookup — orientation only
Statutory text checked November 12, 2026. Educational guidance, not legal, engineering, lending or insurance advice. Building-specific deadlines, repairs, funding and coverage require current documents and qualified professional review. No association costs, inspection outcomes or insurance quotes are assumed.